The whole reason people become slaves of credit card companys is the interest. interest is posion to society. for example you can a 1000 loan and end up payin much much more. its a cycle that makes the rich richer and poor poorer. . hence why its banned in all abrahamic religions.

look at mortages, you get a loan for 500,000 to buy a house. interest rate of 3.25 for 30 years. you end up paying almost 800,000. thats $300,000 more them want you even borrowed. its a screwed system. once you get a loan, its like they attach a leach onto you for life.

stay away from loans with interest as much as possible. just keep a tight budget and slowly pay it off, 4500 isnt THAT much. some people have 15000+ in debt.

No one ever taught me how to use a credit cardlife was good for a whilego out for dinner-charge itorder pizza-charge itpay my bills-charge itbuy supplements-charge itnow my cards are maxed for a total of 4500 dollars in debt

looked into western sky loans-the commercial with the indian girl-for a 5000 loan the apr is 376. 67% and it would cost me 40000 to pay it off

im thinking of taking a personal loan at the bank where we have our mortage-they would directly pay off my cards and i would make 1 monthly payment to the bankthe apr would be 11% and my montly payment would be like 120-140-obvioulsy ill pay more than the 140 if i cani also plan on locking away my cards and only using them in emergencyand only pay cash for stuff-and start putting money away to save

any advice??

What do you mean no body taught you how to use credit? Are you some kind of stupid? Did you think it was free money? You frakking deserve every bit of this from the sound of it. When you use it, you pay it off the next month. Frakking idiot. It's the likes of you that drug us down into this recession. You are probably the type of idiot that shows up at the dealership because he got mailed a key to potentially win a car and gets suckered into the 2nd place prize of buying a car.

The whole reason people become slaves of credit card companys is the interest. interest is posion to society. for example you can a 1000 loan and end up payin much much more. its a cycle that makes the rich richer and poor poorer. . hence why its banned in all abrahamic religions.

look at mortages, you get a loan for 500,000 to buy a house. interest rate of 3.25 for 30 years. you end up paying almost 800,000. thats $300,000 more them want you even borrowed. its a screwed system. once you get a loan, its like they attach a leach onto you for life.

stay away from loans with interest as much as possible. just keep a tight budget and slowly pay it off, 4500 isnt THAT much. some people have 15000+ in debt.

I can make the case that an interest only home loan is a better choice than 15 or 30 year fixed if you are prudent with the money saved from the lower payments.

No one ever taught me how to use a credit cardlife was good for a whilego out for dinner-charge itorder pizza-charge itpay my bills-charge itbuy supplements-charge itnow my cards are maxed for a total of 4500 dollars in debt

looked into western sky loans-the commercial with the indian girl-for a 5000 loan the apr is 376. 67% and it would cost me 40000 to pay it off

im thinking of taking a personal loan at the bank where we have our mortage-they would directly pay off my cards and i would make 1 monthly payment to the bankthe apr would be 11% and my montly payment would be like 120-140-obvioulsy ill pay more than the 140 if i cani also plan on locking away my cards and only using them in emergencyand only pay cash for stuff-and start putting money away to save

any advice??

You don't take loans out to pay back existing loans at a higher premium (see our national debt)

What do you mean no body taught you how to use credit? Are you some kind of stupid? Did you think it was free money? You frakking deserve every bit of this from the sound of it. When you use it, you pay it off the next month. Frakking idiot. It's the likes of you that drug us down into this recession. You are probably the type of idiot that shows up at the dealership because he got mailed a key to potentially win a car and gets suckered into the 2nd place prize of buying a car.

coach is right. Its just like the gov man, keep borrowing, its not a good long-term solution. Stay on a very tight buget, eat nothing but rice and bean if you have to, walk to save gas. its the best way to get rid of thr debt. dont get a loan to pay another loan.

Do not buy what you cant afford... As long as you dont understand this very simple concept, you re going to get in troubles. Let me guess, your parents were the kind of people who bought stuff they couldnt afford right?

Do not buy what you cant afford... As long as you dont understand this very simple concept, you re going to get in troubles. Let me guess, your parents were the kind of people who bought stuff they couldnt afford right?

if you can transfer them to a zero interest credit card or account where everything you pay goes to principal and try to save in other area while paying more on the balance. Cut up all cards so there is no tempting to use them, its a start

No one ever taught me how to use a credit cardlife was good for a whilego out for dinner-charge itorder pizza-charge itpay my bills-charge itbuy supplements-charge itnow my cards are maxed for a total of 4500 dollars in debt

looked into western sky loans-the commercial with the indian girl-for a 5000 loan the apr is 376. 67% and it would cost me 40000 to pay it off

im thinking of taking a personal loan at the bank where we have our mortage-they would directly pay off my cards and i would make 1 monthly payment to the bankthe apr would be 11% and my montly payment would be like 120-140-obvioulsy ill pay more than the 140 if i cani also plan on locking away my cards and only using them in emergencyand only pay cash for stuff-and start putting money away to save

any advice??

Start charging for the blowjobs you're giving at the American Legion Hall, you should have it paid off in a month.

"No one taught me how to use credit cards". Jesus H. Christ on a shingle.

Do not buy what you cant afford... As long as you dont understand this very simple concept, you re going to get in troubles. Let me guess, your parents were the kind of people who bought stuff they couldnt afford right?

Let me guess, your daddy was a miserable wretch and control freak as well whose wife eventually left him. What does that spell for you? Fathers and sons...